Cashier

Position Overview

The Cashier at Ujjivan Small Finance Bank is tasked with managing all cash-related activities in the branch, adhering strictly to internal and external banking policies. This full-time role, reporting to the Branch Operation Manager, demands precision in transaction processing and daily reconciliation to ensure accurate financial recording.

Key Responsibilities

• Conduct efficient and accurate processing of cash transactions and account updates to support smooth branch operations.
• Manage all aspects of cash handling within the branch including receipt and processing of financial instruments like cheques, drafts, dividend warrants, and pay orders within authorized withdrawal limits.
• Disburse cash for withdrawal requests and collect deposits as per deposit challans; manage collection of loan repayments according to EMI schedules with proper recording.
• Maintain comprehensive registers such as inward/outward registers, petty cash, and assets; coordinate requisitions to the Regional Head Office.
• Daily cash tallying aligned with transaction records and vouchers, submitting comprehensive end-of-day branch reports.
• Joint responsibility with the operations officer to manage branch vault operations and secure cash handling.
• Interact proactively with customers during financial transactions to identify cross-selling opportunities and provide updates on new banking products and services.

Service Excellence

• Provide courteous, prompt, and effective customer service addressing needs and queries efficiently.
• Escalate customer complaints and queries to higher authorities swiftly and professionally.
• Educate customers on repayment schedules, contact information for support, and promote alternative self-service banking channels.

Operational Duties

• Count and verify cash at the start and end of the day prior to vault storage.
• Safeguard branch cash, keys, and valuables, co-managed with the Assistant Branch Manager, ensuring smooth daily cash department function.
• Ensure timely transaction processing within stipulated turnaround times and comply fully with regulatory and bank policy requirements relating to cashier operations and cash management.
• Authentically verify customers during withdrawals and confirm accuracy of cash deposit slips per audit guidelines.
• Handle loan repayment accounting and update passbooks where applicable.
• Prepare and process cash bundles for deposits with currency chest including note slips.

Learning & Growth

• Keep updated with Ujjivan’s product offerings, compliance regulations, and customer verification procedures.
• Engage in required certification programs and mandatory training sessions to enhance job performance.
• Participate in goal-setting, mid-year, and annual performance reviews within designated timeframes.

Qualifications and Experience

• Graduation degree preferred, ideally in Finance or Commerce disciplines.
• Between 1 and 2 years experience managing significant cash volumes.
• Familiarity with financial modules or ERP systems and proficiency in consolidating accounting data.

Skills and Competencies

• Expertise in cash handling and accounting.
• Ability to recognize counterfeit currency delicately and precisely.
• Meticulous and systematic in customer service delivery with keen sensitivity to wait times.
• Computer literacy including relevant software knowledge (with training provided).
• Strong numerical aptitude and multitasking capability.
• Positive interpersonal communication, strong customer service orientation, and effective listening skills.
• Competencies in execution, relationship management, and customer focus.

Interactions

• Internal communication with regional operations teams, Regional FCU officers, and service quality executives.
• External coordination with neighboring banks, cash management agencies, and BC agents.

Additional Information

This role is based onsite at the branch location in Vridhachalam, Tamil Nadu. It is a critical position with full accountability for the branch’s cash handling and related operations. All tasks and responsibilities must align with the bank’s internal policies and regulatory guidelines.